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Sabohat is 39, married, and has three children. She is a cheerful and conscientious woman and lives in a rural area. She has a degree in education and teaches at the local school. She loves children and tries to teach them with all her heart because she wants them to have a good education. However, her salary is insufficient to cover her family's needs, so she and her husband started a business for additional income.

Sabohat has been a client of MDO Arvand since 2007. She has received both a consumer loan and a business loan. Sabohat says that her quality of life has been slowly improving since she began working with Arvand. Sabohat and her husband now want to build a house to provide good living conditions for the family. She applied for a loan to buy construction materials to build the new house. She hopes for a positive outcome and thanks Arvand in advance for their support.
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Сабохат жизнерадостная и ответственная женщина в возрасте 39 лет. Она замужем и имеет троих детей. Вместе со своей семьёй Сабохат живёт в сельской местности. Сама Сабохат закончила педагогическое училище и сейчас работает учительницей в местной школе. Она очень любит детей, и старается обучать их от всего своего сердца, потому что она желает видеть образованных детей. Но зарплата, которую она получает в школе, недостаточна для покрытия всех имеющихся нужд в семье. Поэтому вместе с мужем они имеют дополнительный бизнес.

Сабохат, начиная с 2007 года сотрудничает с Арванд. Она получала кредит на потребительские нужды, а также на развитие своего бизнеса. Сабохат рассказывает, что после того, как она начала сотрудничать с Арванд, качество её жизни стало постепенно улучшаться. В данное время Сабохат вместе со своим мужем хотят построить дом, где будут хорошие условия для проживания. Для этого Сабохат обратилась в Арванд и хочет получить кредит на покупку строительных материалов для построения дома. Она надеется на положительный результат и заранее благодарит Арванд за поддержку.

Additional Information

About MDO Arvand

MDO Arvand is one of the leading microfinance institutions in Tajikistan, offering small loans to entrepreneurs to start and grow their businesses. This makes an enormous difference in a country, which is not only the poorest in Central Asia, but also home to a population where two-thirds live below the poverty line. Today, Tajikistan's economy literally depends on remittances being sent from family members working abroad in Russia because there are so few local job opportunities.

But Arvand loans have been able to make a difference and change lives. Read about some of the incredible success stories they have seen here in this Kiva blog post: Bringing hope to Tajikistan with Arvand -- one success story at a time.


About Tajikistan

  • $2,700
    Average annual income
  • 217
    View loans »
    Tajikistan Loans Fundraising
  • $32,092,775
    Funds lent in using Kiva
  • 4.8
    Tajikistan Somoni (TJS) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Sabohat to buy construction materials.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 11, 2014
Feb 20, 2014
Currency Exchange Loss:
Mar 17, 2015